- No Checking Account or Credit Check Required
- Free Activation
- Free Payroll and Government Benefit Direct Deposit
- Protected by MasterCard's Zero Liability
- See Site for Details
4.0 / 5.0 (220 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
Annual Fee:
Card Network:
Card Category:
Consumer (Stored Value)
Card Type:
Card for Bad Credit
Co-Branded Credit Card
Guaranteed Approval
Prepaid Debit Card
Tax Refund Card
Reward Card
Credit Needed:
Bad Credit OK*
Grace Period:
Late Payment Fee:

Balance Transfers

Balance Transfer:

Other Fees

Opening Minimum:
Application Fee:
ATM Fee:
Additional Fees
  ATM Balance Inquiry Fee - $0.45
ATM Withdrawal Fee - $1.95
Agent Location Cash Load Fee - $4.95
Automated Phone Customer Service - FREE
Bank to Card Transfer Fee - $1.00
Decline Fee - $0.45
Employer Payroll Payments - FREE
Government Benefit Payments - FREE
Inactivity Fee - $2.50
Live Customer Service - FREE
Monthly Maintenance Fee - FREE
Online Electronic Statement - FREE
PIN Purchase Transaction Fee - FREE
Paper Statement Fee - $3.00
Reissue Card Fee - $5.00
SMS and Email Notifications - FREE
Signature Purchase Fee - FREE

Review by

Credit cards charge you APR fees and sometimes annual fees. They are hard to get when you have bad credit, which means that you don't get to shop online. The Western Union Prepaid MasterCard changes that. There are no fees. There are multiple ways to load money onto the card. The card is very easy to apply for.

When you get the card, you are pre-paying for all of your purchases. You can use the card anywhere in the world - in stores or online - that MasterCard is accepted at. Meanwhile, you can track all of your expenses online so that you can find out what you have spent your money on and what kind of balance the card has.


Most attractive:
- No monthly maintenance fees
- No purchase transaction fees
- Free activation
Least attractive:
- Inactivity fee
- Does not report to credit bureaus


- Enroll in direct deposit and receive a free $10 bonus
Other Benefits:
*See website for additional benefits
Online Access:
100% Guarantee Approval:

The information provided for Western Union MoneyWise Prepaid MasterCard is believed to be accurate at the time of evaluation (Jul 24, 2013). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.